Why did Santander turn me down?

First things first, check your Credit Report

Santander lent over £25bn in mortgages in 2016 alone. It’s one of the biggest lenders in the UK and isn’t averse to saying ‘yes’. If Santander rejected your application for a mortgage, credit card, loan or overdraft, there’s a good chance that the reason lies within your Credit Report – so you should check it yourself.

What can I do about it?

Make sure your Credit Report is free of errors

Santander uses data from Equifax, Experian and TransUnion when it checks your application. Checkmyfile gives you the most comprehensive Credit Report data by far to enable you to see what Santander sees. Check for rare but devastating errors. Or for other people, financially connected to you, who may have issues that you don’t have and which may have triggered a decline.

What does my Credit Report show?

6 years of credit history under a microscope

Santander will check your Credit Report to assess how you’ve managed credit accounts in the past, including whether you’ve made payments on time, any court information recorded against you, whether you’re on the Electoral Roll, who you’re financially linked to and much more besides.

How will checking help?

See if you could you improve your Credit Rating

Santander isn't the only lender out there. By knowing for yourself what a typical lender can see, you can fix any errors faster and get your Credit Report in shape before you apply elsewhere. See when information is due to be removed automatically and take steps to improve your Credit Rating with expert support included.

Santander Credit Policies

Use our expert knowledge

Not all declines are down to what's on your Credit Report. Santander is big on affordability. It doesn't like it if you are not on the Electoral Roll, or don't have an auditable 3 year address history. It won't lend if you have a judgment or insolvency, or if you are over 75. Our professional Credit Analysts can help you to understand why you have been turned down by Santander, and to help you to appeal the decision, where appropriate.

The UK's First Provider Of Online Credit Reports

See the most detail with us

A Credit Report like no other

Santander and lenders in general will use their own system to work out your Credit Score and will often check your information at more than one Credit Reference Agency. Only checkmyfile shows you your Credit Report based on data from all 4 UK Credit Reference Agencies together, with full Credit History information as reported to Equifax, Experian and TransUnion – giving you a better idea of how lenders will judge you.

Top rated customer service included too

checkmyfile has been consistently ranked as the top Credit Report provider for customer service on independent review site Trustpilot for years. Get speedy access to expert Credit Analyst support via freephone, email or secure message, should you need it.

Could other people be affecting you?

If you're financially linked to someone else, Santander will have assessed their Credit History as well as your own before coming to a decision. If that person's Credit Rating isn't as strong as yours, it could negatively influence the decision.

Get help to remove incorrect financial associations

If you have financial links that are no longer applicable, simply use our online tool to remove them from your Equifax, Experian and TransUnion files, with expert support from our professionally qualified Credit Analysts who will guide you through the process - speeding up the time it takes to get 'disassociated'.

Get Assistance

Information

checkmyfile is a trade mark and is a trading name of Credit Reporting Agency Limited (Registered number 3719598). Credit Reporting Agency Limited is authorised and regulated by the Financial Conduct Authority (firm reference 690175). Credit Reporting Agency Limited is a Credit Reference Agency notified with the Office of the Information Commissioner, registration number Z6636832. Our VAT number is GB 738 731 215. Credit Reporting Agency Limited is registered in England and has its registered office at Trevithick House, Trevissome Park, Truro, TR4 8UN.

Monthly fee of £14.99 applies after your free 30-day trial. You may cancel at any time without charge by Freephone, Secure Message, email or online. The free 30-day trial applies only to new customers aged 18 years or more who are living in the UK. The 30-day free trial period starts when you register. If we are unable to verify your identity online when you register, we may ask you to provide information to us which may delay access to your Credit Report.